If Future Space Technology’s Tiangong space station plan seems to have had an impact like a nuclear bomb explosion around the world, then China Housing Corporation announced in March that it would spend at least one trillion yuan to acquire land across the country, which has had a domestic impact The power is no less powerful than the Tiangong space station project.
After Qin Hongqi received a call from Zhao Yi allowing China Housing Company to make appropriate loans to accelerate the development of domestic urbanization, he immediately arranged for the company's financial personnel to contact major domestic banks to discuss the loan limit.
China Housing Corporation itself has a very considerable amount of funds on hand. Even after deducting the funds required for projects that have started construction this year, it still has more than 1 trillion yuan in capital reserves.
It stands to reason that China Housing Corporation does not need to immediately discuss loans with major banks. Even if it spends more than 1 trillion yuan on land sales, there will still be hundreds of billions of yuan left on hand.
Moreover, with so much money used to purchase land, the purchased land area will definitely be very large, and it will also involve hundreds of cities, and the negotiations will take a lot of time.
No matter how fast the speed is, it is already a good progress to be able to complete the land purchase this year. It is basically impossible to fully start construction.
Although the design software of architectural design companies is very intelligent and efficient, it is not easy to come up with an eye-catching and convincing design in such a short period of time. .
The urbanization Zhao Yi wants is definitely not uniform. What he wants to see is that every city is in line with its own temperament and local cultural traditions, and it can be judged which city it is from the whole city at a glance. .
And with the application of more new technologies, new materials, and new design ideas, it is not that simple to perfectly implement these advanced concepts in the process of creating urban design.
Everyone familiar with the situation knows that China Housing Corporation is not short of money at all, and even major domestic banks have never been willing to lend to China Housing Corporation before.
This time, China Housing Corporation came to ask for financial cooperation. It can be said that the major domestic banks were ecstatic, because China Housing Corporation is different from other companies. If it does not lend money, it will definitely be astronomical.
This time, China Housing Corporation and major domestic banks are not talking about specific loans, but about the loan amount that major banks can provide, so that China Housing Corporation can know what it is.
Only after the number of loans that major banks can jointly provide is clarified, will China Housing Corporation carry out relevant follow-up plans. If the amount is not agreed upon, problems will easily arise.
This time, China Housing Corporation did not plan to negotiate with banks one by one. Instead, it called all major domestic state-owned banks and China Minsheng Bank together to discuss this matter.
After each bank reports its own reference limit, after statistics, the total amount can be brought to 2 trillion yuan, which is the maximum loan limit that each bank can give.
However, the quota is one thing. Whether it can be fully loaned out also requires whether China Housing Corporation can provide so much collateral. The money the company has in major banks cannot be regarded as collateral, and it will not use money as collateral.
Therefore, it is still necessary to count the fixed assets in the hands of Chinese housing companies. The first is the large amount of land they have purchased in 10 central cities, and the second is the major construction projects currently under construction.
If only these fixed assets are used as loan collateral, in fact, not much money can be loaned out. After professional calculations, these assets are currently worth a total of 500 billion yuan, of which land accounts for the majority.
As for the buildings, since the earliest building construction was started just over half a year ago and no construction project has been completed yet, the price will naturally not be too high and the value will be much lower.
Of course, Chinese housing companies can also use the funds in hand to purchase large amounts of domestic land, and then use these lands as collateral to obtain loans from banks to develop construction projects.
This kind of routine was often used by real estate companies in previous lives, and it was also a regular loan model for real estate companies. Naturally, China Housing Corporation also planned to make loans in this way.
These problems are not a big problem for China Housing Corporation and major banks. No one thinks that China Housing Corporation will be unable to repay the loan. After all, everyone knows the big boss behind it.
It's just that there are huge differences between the two parties on loan interest rates. China Housing Corporation hopes to get the most favorable loan rates on the grounds that its assets are of very high quality and the risk rate is extremely low.
Although what China Housing Corporation said was basically true, no one would give away the benefits they had obtained casually. Naturally, they hoped that the interest rate would be as high as possible. The two sides started a war of words and refused to give in.
After intense negotiations between the two parties, China Housing Corporation obtained a loan with an interest rate of 5% and a loan term of at least 5 years.
However, the major banks are actually not very satisfied with this. Although the current deposit interest rate has dropped significantly, the 5-year long-term deposit interest rate has also reached 4%, and the interest spread they earn is only 1%.
If the country had not made clear its monetary expansion plan, a large amount of funds would be released in order to prosper our country's internal market economy, which would put great pressure on banks to lend. Otherwise, we would definitely not be able to get such favorable interest rates.
At present, the relatively high-quality loan projects in China are the national infrastructure projects in which state-owned enterprises participate, and the other is the urbanization construction projects carried out by China Housing Corporation.
Moreover, compared with state-owned enterprise loans, major banks actually trust China Housing Corporation more. Their loans are not only huge in amount, but also much safer. It is considered a very capital-guaranteed loan project.
As for the loans of other domestic private enterprises, state-owned banks are very cautious. On the contrary, Minsheng Bank is a little more lenient. In terms of the proportion of loans to the private economy, Minsheng Bank accounts for half of all loans.
After negotiating with major banks, China Housing Corporation began to dispatch staff to major cities to discuss the purchase of land with local government departments.
Prior to this, there was no news that China Housing Corporation would purchase large amounts of land. People who knew about this matter were tight-lipped.
China Housing Corporation hopes that it will not make this matter a fuss until the land purchase negotiations with local government departments are settled. If major cities unite to drive up land prices, China Housing Corporation will be the one who gets hurt.
Therefore, without any news leaking, the various negotiation teams dispatched by China Housing Corporation were warmly welcomed by the locals, and they all hoped to reach cooperation with China Housing Corporation as soon as possible.
The main reason why local governments are so enthusiastic is that they have seen with their own eyes that the urbanization construction of the previous 10 cities is in full swing, and they are greedy.
Many local government staff have gone to these 10 cities for research and inspection. When they see the cranes that look like steel forests, they are simply envious.
In order to speed up the construction of projects, major construction companies basically adopt a three-shift model and carry out construction day and night. If you watch it at night, the shocking effect will definitely be huge.
There is no harm without comparison. Seeing the vigorous new urbanization construction in these 10 cities, as an official in charge of the government, how can we not be envious? However, China Housing Corporation has already issued an announcement to the outside world that it will promote urbanization construction in batches. project.
Perhaps because the China Housing Corporation is responsible for urbanization and has the ability to undertake urbanization, the land policy is not as open as in the previous life, and the policy is relatively conservative.
There are reasons for this. Not to mention that China Housing Corporation has the strength to rapidly promote domestic urbanization. Even if the domestic finance does not currently need to rely too much on real estate, it is not so enthusiastic about the free development of the real estate market.
Of course, the Chinese housing companies have obtained such favorable policy conditions, but there are naturally binding clauses, that is, in the future, their houses will mainly be rented out, and the rental prices need to be coordinated and negotiated with the local government.
In other words, in the future, the rents of China Housing Corporation will not be increased as much as they want, but will be completed through consultation based on the income of local residents and the economic development policies of the local government.
Without this clause, the government would not allow one Chinese housing company to dominate, which would create a very passive situation for the government. In line with the concept of home ownership, Zhao Yi naturally agreed to this clause.
Of course, China Housing Company's properties are mainly operated for rental purposes, but there are no restrictions on residents purchasing China Housing Company's houses, which are commonly known as commercial housing.
However, if the houses of China Housing Company are sold, the tax rate levied by the government will be very high, reaching 50%. It can be expected that if you want to buy commercial housing in the future, the price will definitely be very high.
The purpose of this is, on the one hand, to give high-income people the right to freely purchase real estate and to increase government taxes, and on the other hand, to curb the occurrence of real estate hoarding and speculation.
Because buying a property at a high price, if it is rented out, the rental return rate is too low. It is not as high as the interest earned by depositing it in the bank, so there will be no need to buy the entire building like in the previous life.
According to previous plans, China Housing Corporation will kick off the urbanization construction in major provincial capital cities this year, so the governments of major provincial capital cities are not too surprised that China Housing Corporation came to discuss the purchase of land so early.
But the situation is different for other prefecture-level cities. If they follow the original plan, it will take several years before their turn comes. In these few years, they will all have a hard time.
What he didn't expect was that China Housing Corporation would start negotiating with him about the land purchase so early. The reason given by China Housing Corporation was that it hoped that after they received the money to purchase the land, they would build relevant infrastructure as soon as possible and reduce the overall construction period.
This reason makes sense and does not deceive them. For example, in the 10 cities currently under construction, the roads have not been built yet, which has brought a lot of trouble to the entire urbanization construction.
This time, no matter which city it is with, the land price given by the China Housing Company is 10 yuan per square meter, which means that one acre of land can be sold for 6,666 yuan.
This price is not too high, nor is it too low. It is enough for the local government to compensate the landless farmers for their losses, and at the same time, there is still money left for building road facilities. It is unlikely that there will be any leftover.
However, if this is the case, the local government may not agree, because the income opportunities of landless farmers will be greatly affected during this period, which will cause huge trouble to the local government.
Therefore, China Housing Corporation has also made a solemn commitment to start construction immediately after completing the land purchase, urbanization design and related architectural design plans.
In other words, perhaps around the end of this year, these cities will all enter the project construction stage and recruit local rural surplus labor to work in the cities.
In addition to recruiting manpower to start construction as soon as possible, if the purchased land requisitions farmers' houses, China Housing Corporation will provide new housing compensation in accordance with relevant policies.
However, this compensation is definitely not as generous as that of later generations. It can only allow residents who have lost their houses to have relatively comfortable homes. It is impossible to rely on this allocation of too many houses. This is considered an additional cost for Chinese housing companies.
With these commitments, local governments naturally agreed very readily, and the contract was signed very quickly. Before coming, China Housing Company had already studied the development of the land, and now it is ready for use.
By the end of March, China Housing Corporation had purchased land in relevant domestic cities, spending 100 million yuan, with an average of 1,000 square kilometers of land purchased in each city.
As for the amount of land to purchase, it is determined based on the urban and rural population. It is also calculated based on the age distribution of the local population and the future population size.
After all the contracts were signed, China Housing Corporation released an announcement on the land purchase. This announcement naturally aroused a huge response, and people across the country enthusiastically participated in the discussion.
The most talked about topic is that billion yuan. Although many projects have been carried out in China in recent years, no company has ever spent so much money on fixed asset investment.
You must know that the RMB at this time is still quite valuable. The average monthly salary of ordinary people was only 500 yuan at the end of last year. It has now grown to 600 yuan, and it may rise even faster in the second half of the year.
But no matter how fast it is, it is nothing compared to this billion. Few people question the qualifications of China Housing Company, because when they look at the name, everyone thinks it is a state-owned enterprise.
Naturally, this wave of discussion also swept across the domestic Internet. Internet users discussed the matter enthusiastically online, and netizens in 10 cities where construction had already started posted photos of the construction sites they took.
The emergence of a large number of these photos has pushed the topic of urbanization construction in our country to a new height. Almost the entire Internet is discussing it, which makes Zhao Yi's Internet companies very happy.
The social platform of Xinghan Technology Company is naturally one of the important platforms for this discussion. In order to participate in the discussion, netizens who had not registered an account before have registered relevant accounts this time.
With this incident, Xinghan Technology Company's user share directly reached 95%, which can be regarded as the top spot in the domestic social field. Moreover, the number of visits to their other products has also surged significantly.
The most obvious one is the video website recently launched by Xinghan Technology Company. It has been completely promoted in China. Because you can watch many TV series and movies that cannot be seen on TV, it has become an important content for domestic netizens to watch online.
The video website is currently in the promotion period. All the movies in it are free and do not even have any advertisements. In addition, the content is rich and there are no lags. Naturally, it has been supported by the majority of netizens.
According to the operating strategy of Xinghan Technology Company, in the first half year, all content on the video website will be advertising-free, striving to attract all netizens to their video website platform.
After the six-month advertising-free period, we will start to consider placing a small amount of advertising, which can be regarded as preliminary commercial operations. Although it is unlikely to make a profit, it can at least reduce losses.
In a year's time, membership services will be launched to provide members with membership content, such as customized content produced by the video website itself, and begin to cultivate netizens' awareness of purchasing memberships.
Because by then, the online dramas produced by the video platform subsidiary of Xinghan Technology Company will be launched on a large scale, which is the right time.
This strategy is not only used domestically, but also operates under this model abroad. In order to open up the foreign video membership market, they also need to produce a large number of local TV series.
However, with the current strength of Xinghan Technology Company, it is unable to complete so much self-made content, so it has to entrust Qing Ning Entertainment Company to help produce this content.
Qianxun Technology Company has also benefited. Their Tieba, blog and news portal have seen a significant increase in access data, and the number of netizens who have registered for universal accounts has also soared.
After this land purchase, China Housing Corporation has very little funds left. It is impossible to start the full-scale construction phase immediately, so they can only use their loan lines in major banks.
Therefore, Chinese housing companies do not need to worry about their own lack of funds. After purchasing the land, the next step is to design urban planning concept maps for major cities.
After the design of these concept maps is completed, specific urban planning needs to be discussed with local government departments. Otherwise, without concept maps, the local government may not know how to plan the city.
Therefore, this matter will take at least a month to come and go, and it may take up to two months. After completing the finalization of the urban planning concept map, it will enter the specific architectural design stage.
The architectural design stage, no matter how fast it is, will still take two months. After the architectural design is completed, the specific bidding process will begin. After the bidding is completed, it will be time to recruit people to do the work. It will still take about two months before the start of construction. time.
All the purchased land will have to wait until October to enter the implementation stage of urbanization construction. Moreover, such large-scale urbanization construction cannot be carried out as before.
Because the scale of construction is too large, firstly, Chinese housing companies are relatively short of funds. Even if they have bank loans, they cannot be too urgent, otherwise the capital chain will be broken.
Second, there is a shortage of construction workers in the country. Even if all the rural labor force is recruited to participate in urbanization, it will not be able to have three shifts of manpower like the current 10 cities.
Therefore, this urbanization construction no longer stipulates the entire completion time, but calculates the completion time individually based on specific projects, so that it can be calculated independently based on the number of manpower, and large-scale defaults will not occur.
After this large-scale urbanization construction, coupled with national infrastructure projects, basically all the remaining rural labor force has been absorbed, and there may even be a shortage of manpower.
The land purchased this time is not only urban land in prefecture-level cities, but also land in major counties below it. Otherwise, it would not be possible to require an average of 1,000 square kilometers of land.
In fact, the residential density of 10,000 people per square kilometer is already quite livable. Currently, except for a few very large cities where the residential density is higher, China Housing Corporation basically builds other cities according to this residential density.
Nowadays, the total population size of each prefecture-level city rarely exceeds 10 million. Only the most populous provinces in China have such a large population. Therefore, this urbanization construction not only covers prefecture-level cities and urban areas, but also includes the following counties. .
In fact, there are far more than 150 prefecture-level cities in China. China Housing Corporation lays out its layout based on the geographical conditions, population size, and industrial development prospects of each city.
Firstly, the funds of China Housing Corporation are limited and it is impossible to spread the whole pie. Secondly, if it is fully spread, there will not be many people in each city, which is not conducive to the allocation of urban resources.
Therefore, he just picked a few key cities in each province to develop and build them into medium and large cities. When he had more funds and the current project development reached a certain stage, he would then consider the remaining urban development issues.
In other words, this method is used to concentrate the population in the province into a few large cities as much as possible to form an agglomeration effect. According to experience, the larger the scale of urbanization, the more jobs it can provide and the income is generally higher.
Supporting urbanization, there is also a new rural construction plan, or a county building construction plan. Because a large number of rural laborers move to cities to work, their incomes will definitely rise.
Some of them will settle down in cities, while others will return to their hometowns and either build their own houses in rural areas or buy houses in counties.
It is better to buy a house in the county town, after all, these are all planned, but if you build a house in the countryside, if you do not plan it well, many problems will arise.
First of all, self-built houses in rural areas generally have insufficient earthquake resistance. Zhao Yi, who has experienced several earthquakes in his previous life, attaches great importance to this and hopes that all buildings can withstand the 6 earthquake without being damaged.
Even if you encounter an earthquake with a magnitude of 7 or above, you still need to have enough response time. This may seem like more investment, but it will cause less trouble. The building will be stronger and have a longer service life. In the long run, it will actually be cheaper. Good deal.
Secondly, the design ability of self-built houses in rural areas is poor and the styles are relatively old, which will affect the overall aesthetics of the countryside. Therefore, he plans to let architectural design companies provide thousands of standard rural villa house designs to solve the problem of insufficient rural house design. (End of chapter)